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Comprehensive Bike Insurance

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Home / Two-wheeler Insurance / Comprehensive Bike Insurance

What is Comprehensive Bike Insurance?
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Comprehensive Bike Insurance is a 2 wheeler insurance plan that offers coverage to your bike against different types of damages, total loss, and theft. The Comprehensive Two-wheeler Insurance Policy is a combination of a Third-party Liability Cover and Own Damage Cover for Bike (OD). It provides coverage against accidental damages, fire, natural disasters such as flooding, earthquakes, etc., and manmade disasters such as vandalism, riots, etc.

The Comprehensive Motorcycle Insurance also covers damages caused to a third party’s vehicle or property and if somebody is injured or causes third-party death due to an accident. At ACKO, we offer the mandatory Third-party Bike Insurance Policy, a standalone OD Cover, and the full-protection Comprehensive 2-wheeler Insurance Policy. If you have only taken mandatory bike insurance, you can upgrade to the Comprehensive Two wheeler Insurance Policy during bike insurance renewal.

What Are The Features of a Comprehensive Bike Insurance Policy?
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Here are the unique benefits of the Comprehensive Two-wheeler Insurance Policy.

1. Wide coverage
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Almost all types of damages to your bike are covered under the Comprehensive 2-wheeler Insurance Policy. The comprehensive bike insurance coverage includes damages caused due to road accidents and manmade and natural disasters. Vehicle theft is also covered. This apart, the policy also covers third-party liabilities.

2. No Claim Bonus (NCB)
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You get a discount on the two-wheeler insurance renewal premium if you don’t raise a claim during the policy period. The discount is referred to as NCB. You can get up to a 50% discount on the Own Damage component of your bike insurance renewal premium if no claims are raised for five consecutive years.

3. Decrease in repair costs
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Since most of the repair cost is compensated by this two-wheeler insurance policy, you only pay a small portion (deductibles) of the repair bill. The Comprehensive Two wheeler Insurance premium rate is considerably affordable compared to the amount you may spend on repairs, making it an ideal bike insurance cover for your vehicle.

4. Coverage for all types of two-wheelers
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The Comprehensive Bike Insurance Policy is suitable for all types of two-wheelers, including motorcycles, scooters, and electric scooters or bikes (e-bikes). Insuring it with Comprehensive Insurance offers wide-ranging benefits, whether it’s a scooter, motorcycle, or electric bike.

Benefits of Comprehensive Bike Insurance
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Here are the top benefits of Comprehensive Two-wheeler Insurance.

1. Maximum financial protection
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Opting for a Comprehensive 2-wheeler Insurance Policy gives you maximum financial protection as it covers damages to your bike and covers third-party liabilities. The bike insurance policy also covers the total loss of the two-wheeler arising from theft, fire and an accident.

2. Shields against liabilities
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The two-wheeler insurance benefits offered by Comprehensive Insurance provide legal and financial protection from third-party claims, such as injuries suffered by a third party and damages to their vehicle during an accident caused by your insured bike. This policy also covers financial liabilities caused by the death of a third party.

3. No Claim Bonus (NCB) benefit
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If you don’t file any bike insurance claims during the policy period, you receive a discount on the renewal premium in the form of NCB. The Comprehensive Two-wheeler Insurance for bikes is the only policy that offers this discount, resulting in maximising your savings when you insure it with the Comprehensive Insurance.

4. Offers you peace of mind
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With the traffic and the number of vehicles plying on Indian roads increasing every day, the possibility of accidents rises. The Comprehensive Insurance Policy offers you peace of mind knowing that your bike is financially protected against different types of damages to your bike, even theft.

Comprehensive Bike Insurance Add-Ons
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You can also purchase add-on covers to enhance the scope of coverage of the Comprehensive Bike Policy. The following are some of the add-ons that you may consider while buying this insurance plan.

Zero Depreciation Cover
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Buying this add-on will negate the depreciation suffered by your two-wheeler over time during claim settlements. In other words, the insurer will not deduct the depreciation costs while settling claims. Hence, you get the maximum claim amount.

NCB Protection Cover
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This add-on will keep your accrued NCB intact even if you raise claims during a policy period. Hence, you will not lose out on the NCB discount during policy renewals. It is one of the most useful add-ons that you can buy with Two wheeler Comprehensive insurance plan.

Return to Invoice Cover
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Buying this add-on will ensure that you get the invoice value of the bike as a claim amount if your bike is stolen or damaged beyond repair. In other words, you will get the IDV as the claim settlement amount without accounting for the depreciation costs during theft or total loss claims.

Consumables Cover
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This add-on covers the cost of consumables used during the repair of your bike. The cost of consumables like engine oil, coolant, gearbox oil, nuts, bolts, etc. However, buying this add-on will ensure that the insurer covers such costs.

Engine Protection Cover
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This add-on covers the costs incurred due to engine and gearbox repairs. It is a crucial add-on cover since the engine and gearbox are the two vital components of your bike, and the repair costs can run very high. That’s when this add-on comes to your rescue.

Roadside Assistance Cover
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This add-on will spring into action if your bike suffers a breakdown, runs out of fuel, suffers a tyre puncture, etc. This add-on provides 24x7 roadside assistance in case of an emergency. If your bike breaks down in the middle of the road, you can inform the insurer for immediate assistance.

Why Should You Buy Comprehensive Bike Insurance from ACKO?
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Here’s why you should buy Comprehensive Two wheeler Insurance for your bike from ACKO.

Low premiums
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By choosing ACKO Comprehensive Two-wheeler Insurance Policy, you transact directly with us through our website or app. Since we operate on a digital platform, our operating costs are lower, resulting in affordable bike insurance plans.

Cashless repairs
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We will pay the repair bill (as per the policy’s terms and conditions) directly to the network garage, resulting in cashless repairs. You just need to pay what’s not covered by the policy.

Instant purchase/renewal
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Whether you want to buy or renew a Two wheeler Comprehensive insurance online, you can quickly get it done through our platforms (website/app). The process is simple, and it’s easy to complete the purchase/renewal journey.

Hassle-free claims
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Like our simple process to buy or renew bike insurance coverage, you can also file a claim instantly through our website/app. Log in to your ACKO account, select the “Claim Now” option, answer a few simple questions, upload the required photos, and click on “Submit” to raise your claim.

Instant claim settlements
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A broken mirror doesn’t require a lengthy procedure to get your compensation. We offer an instant claim settlement for such damages. For more extensive damages, we try to settle the claim within a few hours or days (depending on the severity of the damages).

Maximise savings
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You can save more by opting for our long-term Comprehensive Two wheeler Insurance Policy for your two-wheeler. Buying multi-year bike insurance helps you save money in the long run. Also, look for discounts and offers during special occasions and festivals to get low prices on bike insurance.

Comprehensive Bike Insurance vs Third-Party Bike Insurance: Key Differences
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It is important to note that your bike should be insured for continuous insurance coverage. To know if you must opt only for the mandatory Third-party Bike Insurance or the extensive Comprehensive Bike Insurance, you must compare both to get a better idea about the coverages.

The following table provides more details about Comprehensive vs Third Party Two Wheeler Insurance.


Third-Party Bike Insurance

Comprehensive Bike Insurance


It covers only third-party liabilities

It covers third-party liabilities and the insured two-wheeler

Mandatory by Law




Not available


IDV Customisation

Not available

You can customise the IDV

NCB Discount

Not applicable


Insurance Cost



What’s Covered

What’s Not Covered

What’s Covered in Comprehensive Two-wheeler Insurance? (Inclusions)
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Here’s the list of instances covered under the Comprehensive Bike Insurance Policy. Please note that this is an outline. For more details, please read the respective policy wordings.

Third-party liabilities: Damage caused to a third party’s vehicle and property, and death and injuries to a third party caused by your insured vehicle.

Accidental damages: Damages incurred by your insured bike due to an accident.

Natural disasters: Damages to your two-wheeler incurred due to events such as earthquakes, floods, cyclones, etc.

Manmade disasters: Damages to your two-wheeler incurred due to events such as vandalism, riots, strikes, etc.

Fire disasters: Damages to your bike or scooter in the event of an explosion, lightning, self-ignition, etc.

✅ Bike theft/total loss: Financial losses due to bike theft. For instance, if your motorcycle, scooter or electric bike is stolen and the concerned authorities declare it “Untraceable”, ACKO shall pay you the bike’s IDV as per applicable terms and conditions.

What’s Not Covered in Comprehensive Bike Insurance? (Exclusions)
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Here are a few exclusions of our comprehensive motorcycle insurance.

Electrical/mechanical breakdown: Damages to your two-wheeler resulting from electrical or mechanical issues.

Influence of intoxicating substances: Damages to your motorcycle or scooter while riding under the influence of intoxicating substances.

Regular wear and tear: Repair or replacement of bike parts due to regular wear and tear.

Inactive policy: Damages to your bike when your Bike Insurance Policy is not active.

Invalid Driving Licence (DL): Damages to your vehicle while riding the bike with an invalid DL.

Illegal activities: Damages to your two-wheeler from unlawful activities such as racing.

Geographical boundaries: Damages or losses incurred outside the specified geographical areas of the country.

What Is NCB In Comprehensive Bike Insurance?
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The NCB (No Claim Bonus) in Comprehensive motorbike insurance refers to a discount offered by the insurance provider during policy renewals. If you make zero claims during a policy year, the insurer will provide the NCB discount when you renew the policy. The percentage of discount depends on the number of claim-free years. For more details you can refer to the following table.

Number of Claim-Free Year

NCB Discount

1 year


2 year


3 year


4 year


5 year


How to Calculate the Comprehensive Bike Insurance Premium
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Our online bike insurance calculator lets you easily calculate your Comprehensive Two wheeler Insurance premium. It is an online tool to help you know the cost of bike insurance for your vehicle. 

To access the Comprehensive 2-wheeler insurance premium calculator online and learn more about it, follow the below-mentioned steps.

Factors that affect Comprehensive Bike Insurance premium
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Now that you know how to calculate the two-wheeler insurance premium, you must know how the comprehensive motorbike insurance premium is determined so that you can make informed decisions. Here are factors that determine the Comprehensive Two Wheeler Insurance premium.

IDV or Insured Declared Value of your bike
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The IDV is the approximate market value of your vehicle after considering depreciation. Your two-wheeler’s IDV is the maximum sum you receive in case of a total loss or theft of the vehicle. Please note that the higher the IDV, the higher the premium.

Bike’s age
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The age of your bike plays a significant role in determining the cost of Comprehensive Bike Insurance. A brand-new scooter or bike has a higher premium compared to older ones (due to the depreciation factor, the premium for older bikes is lower).

Make/Model/Variant of Your Bike
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Generally, expensive and high-end bikes attract a higher bike insurance premium when compared to low-cost two-wheelers. Typically, high-end bikes have high maintenance and bike-part replacement costs; hence, the insurance cost is higher for such bikes.

Registration location
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The bike insurance premium for vehicles registered in a metropolitan city or high-traffic area is higher. However, the premium for bikes registered in a remote village or town is lower since the possibility of road accidents is lower.

Manufactured year
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The manufacturing year of your bike helps identify the bike’s age and the depreciation factor to determine the vehicle’s IDV, which reduces with time. Therefore, older bikes have lower insurance premiums than brand-new bikes.

Policy tenure
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By opting for the multi-year bike insurance plan, the premium is generally lower compared to a single-year plan. A long-term bike insurance policy offers continuous insurance coverage for a long period.

No Claim Bonus (NCB)
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When you don’t file any claims during the policy period, you receive a discount on the bike insurance renewal premium known as NCB in bike insurance. Hence, the premium can be reduced if you have accumulated an NCB.

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The comprehensive bike insurance can also change based on the selection of add-on covers. The more add-ons you choose, the higher the policy premium. Hence, you must be mindful when selecting add-ons.

How to Buy Comprehensive Bike Insurance
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Buying Comprehensive Two wheeler Insurance online is the easiest way of insuring your bike against most events. Here is how you can purchase an ACKO Comprehensive Bike Insurance Policy through our online setup.

*The premium rates mentioned are for EV two-wheelers not exceeding 3KW

Why Should You Buy Comprehensive Bike Insurance Online?
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Here is why you should buy a Comprehensive Two wheeler Insurance Policy online over offline.

Frequently Asked Questions on Comprehensive Bike Insurance
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Here are answers to common questions about Comprehensive Bike Insurance.


What is comprehensive in bike insurance?

Comprehensive in bike insurance refers to a comprehensive insurance plan which provides a wide coverage, including third-party and own damage coverage.

Which insurance is best for bike comprehensive or third party?

A comprehensive insurance plan is best for bikes as it provides third-party liability and own damage coverage. On top of that, you can also enhance the policy by buying add-on covers.

Is comprehensive insurance enough for bike?

Yes, a comprehensive motorbike insurance plan is enough for a bike as it provides wide-ranging coverage benefits, including own damage and third-party coverage.

What are the benefits of comprehensive bike insurance?

The main benefit of the comprehensive insurance plan is that it provides dual coverage, including third-party and own damage coverage. Another main advantage of this plan is that you can also enhance the scope of coverage by buying add-ons.

Is comprehensive or third party cheaper?

A third-party insurance plan is cheaper than comprehensive insurance as it provides limited coverage.

Is Comprehensive Insurance mandatory for bikes?

No, it is not mandatory. However, the Comprehensive Bike Insurance Policy offers coverage for damages to your vehicle due to an accident, fire, and natural and manmade disasters. It also provides coverage for damages to your bike and against vehicle theft. Hence, Comprehensive Two-wheeler Insurance is your bike's most extensive and all-inclusive insurance plan.

What is the validity of the Comprehensive Bike Insurance Policy?

The validity of bike insurance is usually one year. However, if you opt for the multi-year policy, the plan's validity is as per the number of years you have chosen.

What are “deductibles” in a Comprehensive Two-wheeler Insurance Policy?

Deductibles in Comprehensive Insurance for two-wheelers is the portion of the repair bill that should be paid from your pocket. The rest of the repair bill shall be paid by ACKO.

How is Comprehensive Bike Insurance different from Zero Depreciation Two-wheeler Insurance?

The Comprehensive Bike Insurance includes coverage for third-party liabilities and own damage; however, during claims, ACKO shall pay the compensation after considering the depreciation of the replaced bike components. 

But, when you include the bike insurance add-on, Zero Depreciation, along with the Comprehensive Bike Insurance, it is referred to as Zero Depreciation Two-wheeler Insurance. Under the latter insurance plan, depreciation is not considered during claims. You can read more about Zero Dep Vs. Comprehensive Bike Insurance. Note that add-ons are subject to availability. 

How to get the best Comprehensive Bike Insurance Policy for my two-wheeler?

Consider the tips below to get the best out of your bike's Comprehensive Two-wheeler Insurance Policy.

Opt for digital insurers such as ACKO for a low-cost insurance plan for your bike.

Select valuable add-on covers to optimise your bike insurance policy.

Is it ideal to buy Comprehensive Bike Insurance for old two-wheelers?

Yes. As Comprehensive Bike Insurance offers better coverage than the Third-party Policy, it is ideal to insure new bikes as well as old bikes. 

When to buy a Comprehensive Bike Insurance Policy?

The Comprehensive Bike Insurance Policy should be purchased while purchasing your two-wheeler to stay financially protected against bike damages at all times.

Is Comprehensive Bike Insurance Policy mandatory for five years?

No. Usually, you can buy the Comprehensive Two-wheeler Insurance Policy for one year. However, you also have the option to opt for the multi-year policy. Generally, multi-year policies cost less.

Does bike modification affect Comprehensive Bike Insurance Policy?

Yes, modifications to your bike impact the bike insurance premium depending on the changes. For example, if you have installed an authorised anti-theft device on your bike, the premium may be lower since you are taking care to protect your vehicle against theft. But the premium can increase if you have made aesthetic modifications that increase the bike’s value.

Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.